The Report of the Visa Office is an annual report providing statistical information on immigrant and non-immigrant visa issuances by consular offices, as well as information on the use of visa numbers in numerically limited categories.

You lived in India and hate India, because of your wicked religion. Equating Bombay with Palastine is only a traitor can do. Even passive support is act of betrayel. Evil will be destoyed, it is God's will. They are preparing the kids for suicide bomber. So it is their fate to die little early, without harming any one. Any way your religion and its founder are blasphamy for real children of God. Only retard minded can follow it. Do suicide bomb to get 72 virgins. If any one of the virgin is a lesbian, what will do ?. If the guy is old, do he get viagara???They don't know in heaven no sex. No flesh, people in spiritual state.

I know you won't respond me anymore. Because you know your believe/ideology/prophecy/unjust acts will be exposed here.

NEW YORK (Reuters) - The children of baby boomers will eventually resuscitate the pummeled U.S. housing market, Harvard University said on Monday, but in the meantime, limits on income and credit are sustaining the three-year bust.

The highest unemployment in almost 26 years, record foreclosures and rigid lending threaten to overcome emerging home sales progress despite unprecedented efforts by the Obama administration, Harvard's State of the Nation's Housing 2009 report said.

Echo boomers, the children of the post-World War Two baby boomer generation, offer a massive source of support for housing, the study said. The generation is entering the peak home buying and renting ages of 25 to 44 and numbers over five million people more than did their parents' record-sized group in the 1970s.

"Echo boomers are larger than the baby boomer population. Couple that with immigration and you have the seeds, the possibility of a housing recovery," Nicolas Retsinas, director of Harvard's Joint Center for Housing Studies, said in an interview.

The group will bolster demand for the next 10 years and beyond, supporting the sagging housing market even if immigration drops, the study said.

The challenges are myriad, however, said Retsinas, a widely followed housing industry expert and former senior official in the Department of Housing and Urban Development.

"We have to find a way to stabilize housing finance in this country," he said.

A healthy housing market is integral to a growing economy. In the current cycle, the housing crash has propelled the economy into its longest recession since the Great Depression. Jobs lost to the recession have derailed any housing recovery.

"Seedlings of the housing recovery have to come through this thicket of job losses and foreclosures," Retsinas said. "The housing market has not seen these challenges for over 60 years."

Mortgage rates have risen from all-time lows in the past two months despite massive government steps to keep them down.

Foreclosures escalate as federal efforts to keep borrowers in their houses cannot keep pace with loan failures caused by job losses or punishing home price erosion.

THIN SILVER LININGS

Home sales have started to pick up, thanks mostly to a first-time buyer tax credit this year of up to $8,000 and demand for foreclosure properties at bargain-basement prices.

"While we do see some signs of stabilization, you can barely see those silver linings," Retsinas said.

The lending pendulum swung vastly after the unsustainable five-year record home price surge early this decade. Lenders clamped down after lax conditions spawned record home sales and then fueled the torrent of foreclosures.

Now, more than 85 percent of mortgage loans are created through the government and its agencies. Private lending companies either shut down or slammed on the credit brakes to prevent a repeat of major losses on flawed loans.

What happens to mortgage availability currently rests in the hands of the federal government, the report said.

But Retsinas noted: "Eventually you want a sustainable credit system, and that has to include private capital."

The share of minority households, hurt most in the housing crisis, will rise to 35 percent in 2020 from 29 percent in 2005, the study projected. Those households typically have lower average incomes and wealth, and higher unemployment.

In Cleveland, Boston and Washington, DC, price declines at the low end of the market through December were more than twice those at the high end in percentage terms, while in San Francisco they were nearly three times greater.

Real median household incomes in all age groups under 55 have not risen since 2000, the Harvard study said. For the first time in at least 40 years, there is a chance that median household income will end the decade lower than where it started.

The severity of the recession could hold incomes down for years.

"The number of households that were severely cost-burdened -- people paying over 50 percent of their income for housing -- has grown dramatically," Retsinas said. The number spiked by 30 percent to 17.9 million between 2001 and 2007, the most recent data available.

"The reality is that it's not just the cost of a house, but it's how much you make," he said. "Of course as people struggle with their jobs, as they lose that second job, they lose that overtime, their income drops make it more difficult to pay."

Echo boomers will expand the number of needed housing units. But they also likely will enter the housing market with lower real incomes than people the same age did a decade ago, the study said.

"While fundamentally we see what could be the foundation for long-term recovery, we still have to get through today's challenges," said Retsinas.

He had proposed a very harsh H1b revamp and a total revamp of the L1 visa system. for example companies hiring H1 would have had to certify and attest that multiple american candidates were interviewed for the poisition. The prevailing wage had to be the highest of three measures (i forget which 3). Transfers were limited or restricted. On the other hand the Dream act simply gave citizenship to any illegal attending high school. The Senator talks about humane immigration and i agree to a certain extent but it should be humane for legals too.

Yes, you are right, the recent 485 denials for people using AC-21 have nothing to do with Obama/Durbin immigtaion policy. But I kind of remember there were some harsh provisions for people using AC 21 in CIR 2007 version. I am trying to find out the details about it. Correct me if I am wrong.

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obviously

08-05 08:16 PM

"Originally Posted by lfwf I have seen you post before, and with this post you lost some of my respect. You need to be rational and coherent if you want to debate the issue. Not emotional and silly."

More hollow rhetoric from lfwf... someone that fails to see coherent logic and arguments made out in posts and instead claims that there is none :). Maybe, Inglis is the prablem, eh? LOL.

Everytime you extend non immigrant status; you are extending the white I-94 card on your last entry.

However; if you leave after the last extension and you re-enter then the white I-94 card you receive at the border overrides all previous white I-94 cards; extension of stays.

This is where the problem occurs:

H-1b for company A visa is valid until July 2009 and the h-1b approval for a is also valid until july 2009. You come into USA on white I-94 card and they gave validity until July 2009.

Now; you file for change of employer and extend status until July 2010. The notice of action will have the same I-94 number as the date of your last entry.

Now; you go outside USA; on your way back in the port of entry officer mistakenly gives you a white I-94 card only valid until your visa expires (july 2009). Now; if you overstay July 2009 then you would have been considered to be unlawfully present from July 2009.

Bottom line: your last action generally overrules your stay.

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sledge_hammer

03-24 07:14 PM

Can you please explain how you conluded that my theory was its okay to copy (exploit loopholes) unless you get caught?

Please point to the exact post of mine...

Again, I am not defending anyone, I am saying that we should point all the consultanting...not just desi consulting ones...just don't descriminate...from your theory, it looks it is ok to copy unless you are caught.....I don't want to argue on this and deviate from the OP .

Example: $ 500,000/- purchase price (3000 sq ft single family home) Land cost: 80,000/- ( defined by county - assessment record) Construction cost: 1,40,000/- (If you do home work you can easily derive current construction cost) Let's say you give the order to somebody to construct: Add his 25% profit which is reasonable)

I am currently looking to build my home in SF Bay Area and these figures dont look that encouraging. Here is what I have got and this is due to severe crunch in construction industry.

A grand total of $1.3 Million. But this if if you were to build it, the run-of-the-mill tract home builders can get it much cheaper, say around $1million. Again these figures vary by region but generally give a picture of cost breakdown in California.

Land - 46% Construction- 44% Permits - 10%

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mbawa2574

09-26 11:11 AM

Though I like Obama as a person who promises positive change, I am afraid this will turn into disaster for all of us. Obama in white house to me translates into 'Curtains' for all legal high skilled immigration.

If all of you had watched the drama unfolding last year with CIR and Durbin's proposed draconic measures you will all know what is in store for us. We all know who will be pulling the strings as far as immigration policy making goes with democrats in the white house.

Mccain is good for us as long as he seperates himself from house republicans. Obama is good if he gets rid of that stupid durban.

Though Mccain is business friendly. There are talks on CNBC and Wallstreet about rebuidling capital in this country and skilled immigration is part of it. I think Michele..I don't know last name wrote an article in Wall Street Journal Today supporting Legal Immigration , innovation and creating demand for housing in this country. It's the protectionist lobby which is screwing the country.

I felt the same way before. I said to myself I wouldn't buy a house until I get my GC. That was until a builder offered me a nice offer. I was renting a two bedroom apartment for $1200 as I have a family with 3 small kids.

The builder offered me a 2,600 sq. ft., 4 bed-room home at $1450 per month, including taxes and insurance, fixed for 30 years. I guessed that the $250 difference from rent is nothing compared to the benefit of owning a home. The interest part of my first monthly amortization is about $800, $400 go to principal, and $250 go to taxes and insurance.

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Marphad

12-17 01:09 PM

This is exactly I hate. To divert focus of terrorism to Hindu group, Muslim leader comes out - WOW!

Sounds like LeT informed Hindu group in advance that they are going to attack so as a by-product they can kill Karkare. Ha ha ha.

its not that hamas is doing gandhigiri there.. even though they were elected to rule palestine..those morons instead of providing good governence and hope to their ppl..have resorted to some mindless/aimless bombing of Israel.

i care that kids are getting killed... but dont you care then when one of ur jihadi blows himself up..and many innocent get killed. I support that palestinians be given their right to self rule.. but they should learn to live and let live..

so you are saying.. u can kill ppl in the name of god..and when someone responds..u squirm like a toad?

grow up.. kid..

Why do you want to end this discussion? Are you scared of speaking the truth or you don't care the killing of innocent school kids?

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axp817

03-26 05:52 PM

Does this mean that H1B is also location specific?

Per my understanding, it absolutely is. An LCA amendment has to be filed each time there is a location change outside of commutable distance from the original location for which the H-1B was filed.

it is not just america losing - the person who has bought the house would lose his downpayment / equity too -not to speak of the mighty credit score - am I right ?? depends on yr situation and your priorities and more important the place where you are planning to buy. is it in florida, mich, Ohio, california or nevada (I guess no - else you would not have asked this question). if you think of a house as investment and you dont want to take a loss - then wait. if you need the space desperately and you are o.k with the prospect of yr house depreciating for couple of years - then go ahead and buy. BTW there was another thread where this was discussed in detail http://immigrationvoice.org/forum/showthread.php?t=17986

I agree he will loose his down payment or credit score in case of things going south on GC side but still he will be able to do whatever is best for his long term goals now and he will be better off in terms of equity when real estate market bounces back in 3-4 years.There are lucrative deals in the market and renting does not make any sense. There is always a risk factor and u can cover your risks accordingly. Anywaz What exactly ur going to do with Credit Score after u are kicked out from here ? So why not take risk now and play the game.

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nixstor

08-10 07:55 PM

Guys,

Did any one watch Lou this evening? I switched on the TV and I saw H1B visa on the back ground and Lou was just done thanking a guy for being on the network. What was that about?

You seem to be a rational person. You points are compelling and that's why we need to take some legal opinion on it.

Thanks SunnySurya.

Personally, lawsuit against EB-2 eligibility due to BS+5years or against porting due to BS+5 is not a good idea.

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krishnam70

08-14 11:32 AM

Hi UN,

Sorry to post here. I have posted in some other thread but no response.

I just got my FP notice for Aug 23rd for myself,spouse and 8yrs old son.My wife and son is in India, we cancelled our trip back in May for my 485.We waited till we got our receipts,they went to India for some important work.At this point they cann't make it by Aug 23rd. They both have valid H4 I797 with them.

Can you please advice, what is the best procedure to follow here.

1. Can I take my FP and request to postpone of my wife & son ? 2. Postpone for all three members, and request for a later date ? 3. Can we go after Sep3rd with the old receipts dated for Aug 23rd 2007?

Thanks In Advance, kSR

There is another thread in this section that somebody posted that has the answers. You can take the Fp and request re-scheduling for your family giving the travel iternary copy and date(s) when they would be available

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suavesandeep

06-26 03:05 PM

Would you share what calculator are you using.

I used one here: Mortgage Calculator - Bankrate.com (http://www.bankrate.com/calculators/mortgages/mortgage-calculator.aspx)

Loan Amount: 600K (Note much less than million dollars) Period: 30 years fixed Interest Rate: 5% (On the lower side using historical averages) Monthly Payment: 3220.93

Total Interest Paid across 30 years: 559,534.71

In general the thumb rule is across 30 years you will always pay interest which is approx equal to the principal you signed up for.

Am i missing something here ?

Yes its not clear cut but lets replace your X, Y and others with numbers

Suppose your rent is 1500$ a month

You pay 540,000 $ in 30 years

so your point 1 - the interest payment is always going to be less than rent if you look over the 30 year term of mortgage since there is no way to pay 540,000 dollars in interest in 30 years looking at the amortization table unless you are buying a million dollar plus house. ( I assumed 5 % rate of interest )

axp817

03-26 05:20 PM

What eventually happened to the case.

The baltimore case I mentioned happened in 2005 which was certified by AAO.

UN, Thanks for sharing your thoughts on this. As always, your time is highly appreciated.

So I assume in the Baltimore case, the 485 eventually did get approved (or if still pending, the USCIS atleast okayed the switch back to the petitioning employer despite the 140 revocation).

And yes, I am talking about cases where the 140 was revoked for genuine ability to pay reasons and not so the underlying labor could be substituted for someone else.

mbartosik

04-09 01:18 PM

jung.lee

I'll conspire with you and hijack the thread :D for a little while at least The solar system on my house: http://tinyurl.com/2jzbfq

The tiles are by Open Energy Corp (www.openenergycorp.com) You will find my house on their web site.

Price in round figures $10 per watt installed, it is a complex calc and depends on installer and what is included. There are a lot of rebates available and various tax credits (fed tax credit is only $2K). My rebate was $3.75 per watt, plus state tax credits.

Capacity 9KW.

I did a lot of work myself (mostly design - and it is a unique in US design) and worked with a professional installer (first install like this he had done). I also did a lot of the physical work on the roof too.

KWh (per year) depends on location, angle and direction of roof.

In Long Island multiply by about 800 for a steep west facing roof like mine so KWh = 9000*800. For more south facing and lower pitch multiply by 1100. In southern California I don't know what the multiplication factor would be, but you sure get a lot more sunshine, my guess would be more like x1800 for south facing. There are calculators where you can plumb in long/lat angle/direction and size.

Roof area about 1000 sq ft including the concrete. So about 900 sq ft of solar tiles.

Snow does not stick because the glass surface is too smooth, the tiles at the edge where the snow sticks are concrete.

Geothermal heat pumps, they work like an air conditioning unit but exchange heat with the ground (via pipes) rather than the air. This is much more efficient because ground temp is about constant 55F (in NY). They can run forward or reverse (heat or cool) too. They can be used with forced air or radiant floor heating (not baseboard).

If you are seriously interested in installing something like this my email is mark at immigrationvoice .org

On the immigration side: So I've gone out on a limb, and bought a house and installed a load of upgrades, but still waiting for I485 to be processed. I consider this to be a hugely patriotic thing to do -- (could the Iraq war have anything to do with energy supply), yet still no GC. I would love to ask Mr. Dobbs, what he has done to reduce his demand for foreign energy imports!! He probably uses 4000 gallons of oil a year for heating :-)